I just wrote the FINAL (read: PAYOFF) check to the Bank of America for the mortgage on our house. Doesn't make us any richer, but at least we can afford to pay our $8K yearly tax bill (for a couple of years, anyway). Just thought I'd share...

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And to think that we received our tax bill yesterday and were complaining that we have to pay $800 this year... As for the mortgage, we have not paid a mortgage now for about 34 years. Believe me, it is sweet!

Congrats Daksy. I'd probably retire if mine were paid off but I have another 11 to go. Refied from a 30 to a 15. I wanted to refi again to drop the rate but it wasn't worth it considering points and other fees. It's better to just apply more money to principle every month. For all of you that are considering a refi, go to this site and download the free calculator. I've used it many times to see what my payments could be or how soon I can pay off my loan by sending extra $. It's pretty cool.